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How would you protect yourself against the recovery cost an unexpected illness or injury?


In case of an accident or illness that results in a short stay in a Hospital, Nursing Home or Rehabilitation facility or for care in an Adult Daycare or for Home Health Care, a Short Term Care policy can help protect your financial future.  Even if you work full-time and have major medical insurance or a Medicare Advantage or supplement policy, will the entire cost of these kinds of care be covered?  How high will your copays or coinsurance be?  Instead of depleting your savings and retirement income, let a Short Term Care insurance policy offset these costs.


Short Term Care is an individual policy that is simple to use.  The underwriting is simplified and you can tailor the plan to fit your budget and needs.  This type of policy can typically be issued for ages 18-85 (different companies have different age ranges).  You have choices in your Elimination Period (the number of days before coverage begins); you have choices of daily benefit amounts, and choices in the lifetime maximum benefit period options.  You may even have the opportunity to have a one-time restoration of the lifetime maximum benefit period.  A benefit period can include days of confinement in a Nursing Facility or Assisted Living Facility, days of Home Health Care services or Adult Day Care services or any combination of these due to the same or related conditions.


If your physician or licensed health care practitioner determines that you need substantial assistance to perform at least two of the six Activities of Daily Living (bathing, dressing, eating, continence, toileting and transferring) or that you require substantial supervision and direction due to a Cognitive Impairment, you will be eligible for your benefits to begin.


Short Term Recovery care is not a substitute for Long Term Care Insurance, but it can be used in conjunction with Long Term Care, is often purchased by people who cannot medically qualify for Long Term Care or cannot afford Long Term Care Insurance.  For Medicare recipients, it is important to know that Short Term Recovery Care could be the only policy to cover observational care in a Hospital or Nursing Home setting.


The benefits of a short term recovery policy can be used by everyone from heart attack to stroke victims and for post-treatment cancer convalescence to recovery after a knee replacement! 


Can you afford to have a Short Term Care Insurance policy?  Perhaps the question should be-can you afford not to?

Posted 10:54 AM

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